With Better than Free Checking, you’ll also get:

Everywhere Cash SavingsSM 1
Get deals and discounts from your favorite retailers by using the Everywhere Cash Savings website. Use your Better than Free Checking account to make purchases online through the site, or you can print coupons for in-store use. Members who take advantage of the Everywhere Cash Savings can find savings on:

  • Fitness Memberships
  • Hotel Visits
  • Theme Park Packages
  • Tax Services
  • Furniture
  • Electronics
  • Jewelry
  • Clothing from your favorite retailers and More!

This FREE checking account* with bonus features helps you save money, earn rebates, protect your purchases and even provides free insurance and fraud support in the event of identity theft. Isn’t it time your checking did something nice for you? We think so!

  • Only $25 to open.
  • No minimum balance requirement.
  • No monthly service charge.
  • No per check charges.
  • Unlimited check writing.
  • Free eStatements and Direct Deposit required.
  • Courtesy Pay available.
  • Free MasterCard Debit Card available.
  • Free online and bill pay.
  • Free mobile banking.
  • ATM access.

Everyday Rebate Rewards2
Save your receipts and at the end of each quarter, submit them with the appropriate form to receive 10% cash back! You can earn up to $10 per quarter when you submit receipts from any of your everyday purchases!

Purchase Protection and Extended Warranty3
When you use the Better than Free Checking account and use your SPCO Debit Card to make purchases in stores or online, most items you buy (even gifts) will be automatically protected if theft, loss or damage occurs within the first 90 Days. You don’t even need to register your purchases! Warranties on most items you buy through the Better than Free Checking account will automatically be extended up to an additional year!

ID Theft Insurance4 and Identity Fraud Support Service4
You’ll have up to $2,500 in financial compensation for covered expenses incurred in the recovery of your stolen identity, including Income Protection and Expense Reimbursement. In the unfortunate event that identity theft does occur, you will receive guidance in the recovery process. Professional help is available to assist in organizing paperwork, notifying creditors, obtaining legal counsel, and more.

We’re here to help so contact us with any questions. Open a Better than Free Checking account today.

*Certain penalty fees apply for all SPCO accounts in the event of an overdrawn account, inactive account, courtesy pay usage, etc. See Fee Schedule for more information.
1For cash back rewards, you must access the retailer’s link through the Everywhere Cash Savings website provided. Purchases you make by going directly to a participating merchant’s website do not qualify for cash back. Rewards will be issued automatically via check and mailed within 90 days from the date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit for complete terms and conditions. Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchant’s landing page.
2At the end of each quarter, send an Everyday Rebate Rewards request form and receipts for up to $100 of purchases to receive 10% back for a total of up to $10 each quarter (up to $40 annually). Receipts must be a minimum of at least $10 each quarter and membership must be active at the time of purchase and redemption to receive a rebate.
3Purchase Protection and Extended Warranty is not available for residents of the states of Maine, Massachusetts, and Arkansas.
4The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of the program, through Financial Services Association (“FSA” or the “Association”). Upon enrollment in the program, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively, the “Company”) under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the program. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

Your Future Starts Now.
Open an account today.